INTRODUCTION AND ACCEPTANCE
The following Terms of Use govern your use of this website:

By accessing this site, continuing to access this site, or downloading materials from this site (as permitted), you are accepting and agreeing to be legally bound by the following Terms of Use. You are bound by all revisions and should therefore periodically visit this page to review the Terms of Use. If you do not agree to abide by these Terms of Use, you should immediately cease use of this website.

When used in these Terms of Use, “we,” “our,” “us,” and the “company” each refers to Lampson Retirement Solutions, its affiliates and subsidiaries. “You” and “your” each refers to any individual, client, consumer, contract owner, agent, business, or entity that accesses or otherwise uses this website.

DISCLAIMER OF WARRANTIES
THE MATERIALS ON THIS WEBSITE (INCLUDING, WITHOUT LIMITATION, ALL SOFTWARE) ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT THE COMPANY) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF ALL EQUIPMENT, DATA, OR OTHER ITEMS YOU USE TO ACCESS THIS WEBSITE. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES.

We may make changes to the website materials and the product information at any time without notice and without obligation to update the materials contained on this website.

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY OUR COMPANY. ANY LINKS ON THIS WEBSITE TO SUCH THIRD-PARTY WEBSITES ARE PROVIDED SOLELY AS A CONVEN

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY OUR COMPANY. ANY LINKS ON THIS WEBSITE TO SUCH THIRD-PARTY WEBSITES ARE PROVIDED SOLELY AS A CONVENIENCE TO YOU. IF YOU USE THESE LINKS, YOU WILL LEAVE THIS WEBSITE. WE HAVE NOT REVIEWED ALL OF THESE THIRD-PARTY SITES AND DO NOT CONTROL AND IS NOT RESPONSIBLE FOR ANY OF THESE SITES OR THEIR CONTENT, NOR DOES THE INCLUSION OF ANY LINK TO SUCH WEBSITES IMPLY APPROVAL OF OR ENDORSEMENT BY US OF THE WEBSITES OR THE CONTENT THEREOF. THUS, WE DO NOT ENDORSE OR MAKE ANY REPRESENTATIONS ABOUT THEM, OR ANY INFORMATION, SOFTWARE OR OTHER PRODUCTS OR MATERIALS FOUND THERE, OR ANY RESULTS THAT MAY BE OBTAINED FROM USING THEM. IF YOU DECIDE TO ACCESS ANY OF THE THIRD-PARTY WEBSITES LINKED TO THIS WEBSITE, YOU DO SO ENTIRELY AT YOUR OWN RISK.

THIS WEBSITE IS INTENDED TO PROVIDE GENERAL INFORMATION ONLY AND IS NOT INTENDED TO ASSIST IN THE SOLICITATION, NEGOTIATION, SALE, OR SURRENDER OF ANY INSURANCE PRODUCT IN ANY JURISDICTION. THE MATERIALS CONTAINED IN THE AGENT OR POLICYHOLDER LOGIN PORTION OF THIS SITE ARE FOR AGENT AND POLICYHOLDER USE ONLY AND NOT FOR USE WITH THE PUBLIC. SUCH MATERIALS MAY ONLY BE ACCESSED BY CURRENT COMPANY POLICYHOLDERS AND AUTHORIZED AND APPOINTED AGENTS OF OUR COMPANY THAT ARE IN GOOD STANDING WITH THE COMPANY. 

LIMITATION OF LIABILITY
WHILE WE USE REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP TO DATE INFORMATION ON THIS WEBSITE, ERRORS OR OMISSIONS SOMETIMES OCCUR. WE MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THIS WEBSITE. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE BE LIABLE TO YOU FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM CALCULATIONS, CREDITING LOSS, MARKET LOSS, LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, OR THE RESULTS OF USE OF THIS WEBSITE OR THE MATERIALS OR INFORMATION CONTAINED AT THIS WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, EVEN IF WE OR A COMPANY APPOINTED AGENT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WE ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE. 

CHANGES TO AND AVAILABILITY OF WEBSITE
We may terminate, change, suspend, interrupt, or discontinue any aspect of any website, including the availability of any features of any site, at any time. We may also impose limits on certain features and services or restrict your access to parts of this site or one or more entire sites without prior notice or liability. We may terminate the authorization or rights given above.

ARBITRATION
If any dispute or disagreement shall arise under or relate to your use of, or association with, this site shall be settled by binding arbitration in Harris County, Iowa. The arbitration shall be conducted pursuant to the Commercial Arbitration Rules of the American Arbitration Association with an arbitrator experienced in insurance and contract law. Any decision or award resulting from arbitration shall be in writing and deemed final. Judgment on an award may be entered in a court of competent jurisdiction but shall remain confidential. 

CHOICE OF LAW, JURISDICTION AND VENUE 

We administer this website from our administrative offices in Kingwood, Texas. We make no representation that materials on this website are appropriate or available for use in any location, including without limitation for use outside the United States, and access to the materials on this website from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials on this website or any copy or adaptation in violation of any applicable laws, regulations, including without limitation, U.S. export laws and regulations. Those who choose to access this website do so at their own initiative and are responsible for compliance with local laws. The laws of the State of Iowa govern these Terms of Use. 

If for any reason, contrary to the Arbitration section, any suit or other action arising out of, or in any way connected with, your use of this website may be brought only in the exclusive jurisdiction of the state and federal courts located in Harris County, Texas.

SEVERABILITY

If for any reason any provision of these Terms of Use or portion thereof be deemed unenforceable, that provision will be enforced to the maximum extent permissible so as to uphold the intent of these Terms of Use, and the remainder of these Terms of Use will continue in full force and effect.